Frame Shop & Art Store Insurance Coverage Checklist
The coverages a frame shop & art store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for frame shops and art-and-framing stores. Priorities reflect typical exposure for this class; confirm against your actual products, locations, and operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers customer injuries and gallery events. | Core | |
| Bailee Customers Coverage | Covers customer art in your care, custody, or control. | Core | |
| Commercial Property | Covers frames, moulding stock, and equipment. | Core | |
| Workers' Compensation | Covers glass lacerations and cutter injuries. | Core | |
| Professional Liability | Covers conservation errors that damage art. | Prevalent | |
| Fine Arts Floater | Covers owned and consigned art for sale. | Prevalent | |
| Crime | Covers theft of art and cash. | Prevalent | |
| Business Income | Covers closure after a fire or water loss. | Prevalent | |
| Inland Marine / Transit | Covers art in transit for delivery and installs. | Situational | |
| Liquor Liability | Covers alcohol served at openings. | Situational |
The coverage gap most often missed
The gap most often missed by frame shops is customer artwork. GL excludes property in your care, and frame-store forms often exclude improper handling, so a dropped piece or botched mount can go uncovered. A bailee or conservator form closes that gap, and acid burn or other workmanship damage may need the professional liability endorsement too.
Send us the checklist and we'll review your frame shop & art store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Frame Shop & Art Store Insurance · Frame Shop & Art Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a frame shop & art store business need?
The core coverages for a frame shop & art store business are General Liability, Bailee Customers Coverage, Commercial Property, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my frame shop & art store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.